PHILADELPHIA – In “The Necessity of Finance,” Dr. Anthony M. Criniti IV taught that learning the science of finance is necessary for individuals, groups, and organizations to survive. Survival’s role was clearly mentioned there, but a major question was left unanswered: What is more important than learning how to survive? Over the years, he realized that if he truly wanted to better understand the necessity of economics and finance, then first he must thoroughly understand the necessity of survivalism. With unprecedented determination, Dr. Criniti sets out in “The Survival of the Richest” (ISBN 098845954X) to argue that wealth has always been the true link between survival and prosperity.

Dr. Criniti began his quest to find the answer to a simple question, but was forced to detour through various related subjects, such as biology, genocide, and the martial sciences. His difficult journey led him to confront some of life’s most important questions. What is life and death? What role does the struggle play in survival? Why survive? Some serious questions about the human race also needed to be addressed. What are we capable of? Who are we?

Readers will be engaged in the most comprehensive overview of the science of survival and will find explanations for this book’s disturbing scientific conclusions. Some examples of these conclusions include, but are not limited to, that the goals of economics and finance are interrelated with the survival goals of economic and financial entities; that finance is the precursor to economics; that being wealthier increases your probability of continuously surviving and prospering by providing you the greatest options to obtaining survival essentials; that wealthier entities have the option to help other economic or financial entities (including nonhuman ones) survive and prosper, particularly through the concepts of the survival and the prosperity by a third party; that the management of money, and the technology that it can buy, is an advanced, necessary stage in the process of evolution—that is, the evolution of evolution; that the survival of the richest is a more accurate concept than the survival of the fittest; and that all humanity should have the united goal of maximizing our wealth for our survival on this planet and beyond.

“It is important to remember though that just like individuals, groups, and nations, in general, if the inhabitants of a wealthy planet like Earth decide not to continue to maximize wealth, then they automatically, by default, choose to increase Earth’s chances of moving in the direction of the edge of survival, and ultimately, closer to death,” says Dr. Criniti. “As demonstrated earlier, more wealth provides more options for the wealthiest entities to survive better; it does not necessarily mean that those entities will choose the best options. If life on our planet is to continue to prosper, then we must exercise our options for better survival and do it together!”

Dr. Anthony M. Criniti IV is a former financial consultant and a current professor of finance at several universities. He earned a PhD in applied management and decision sciences with a concentration in finance. He also holds several prominent designations from The American College. A native of Philadelphia, Dr. Criniti is an active investor, an explorer, a financialist, a survivalist, and has traveled the world studying various aspects of finance. He is also the author of two acclaimed finance books: The Necessity of Finance and The Most Important Lessons in Economics and Finance. Finally, Dr. Criniti has just released his new book, The Survival of the Richest.

WASHINGTON, February 4, 2015, While aspects of the U.S. economy have improved, money continues to be a top cause of stress for Americans, according to the new Stress in America™: Paying With Our Health survey released today by the American Psychological Association. According to the survey, parents, younger generations and those living in lower-income households report higher levels of stress than Americans overall, especially when it comes to stress about money.

“Regardless of the economic climate, money and finances have remained the top stressor since our survey began in 2007. Furthermore, this year’s survey shows that stress related to financial issues could have a significant impact on Americans’ health and well-being,” APA CEO and Executive Vice President Norman B. Anderson, PhD, said.

The survey, which was conducted by Harris Poll on behalf of APA among 3,068 adults in August 2014, found that 72 percent of Americans reported feeling stressed about money at least some of the time during the past month. Twenty-two percent said that they experienced extreme stress about money during the past month (an 8, 9 or 10 on a 10-point scale, where 1 is “little or no stress” and 10 is “a great deal of stress”). For the majority of Americans (64 percent), money is a somewhat or very significant source of stress, but especially for parents and younger adults (77 percent of parents, 75 percent of millennials [18 to 35 years old] and 76 percent of Gen Xers [36 to 49 years old]).

A gap also appears to be emerging in stress levels between people living in lower-income (making less than $50,000 per year) and higher-income households that mirrors the growing wealth gap nationwide. In 2007, there was no difference in reported average stress levels between those who earned more and those who earned less than $50,000, with both groups reporting the same average levels of stress (6.2 on a 10-point scale). By 2014, a clear gap had emerged with those living in lower-income households reporting higher overall stress levels than those living in higher-income households (5.2 vs. 4.7 on the 10-point scale).

Stress about money and finances appears to have a significant impact on many Americans’ lives. Some are putting their health care needs on hold because of financial concerns. Nearly 1 in 5 Americans say that they have either considered skipping (9 percent) or skipped (12 percent) going to the doctor when they needed health care because of financial concerns. Stress about money also impacts relationships: Almost a third of adults with partners (31 percent) report that money is a major source of conflict in their relationship.

The report also uncovered good news about stress management. Americans who say they have someone they can ask for emotional support, such as family and friends, report lower stress levels and better related outcomes than those without emotional support. Unfortunately, some Americans say that they do not have anyone to rely on for emotional support. According to the survey, 43 percent of those who say they have no emotional support report that their overall stress has increased in the past year, compared with 26 percent of those who say they have emotional support.

On average, Americans’ stress levels are trending downward: The average reported stress level is 4.9 on a 10-point scale, down from 6.2 in 2007. Regardless of lower stress levels, it appears that Americans are living with stress levels higher than what we believe to be healthy — 3.7 on a 10-point scale — and some (22 percent) say they are not doing enough to manage their stress.

“This year’s survey continues to reinforce the idea that we are living with a level of stress that we consider too high,” Anderson said. “Despite the good news that overall stress levels are down, it appears that the idea of living with stress higher than what we believe to be healthy and dealing with it in ineffective ways continues to be embedded in our culture. All Americans, and particularly those groups that are most affected by stress — which include women, younger adults and those with lower incomes — need to address this issue sooner than later in order to better their health and well-being.”

To read the full Stress in America report or download graphics, visit the webpage.

The Stress in America survey was conducted online within the United States by Harris Poll on behalf of the American Psychological Association between Aug. 4 and 29, 2014, among 3,068 adults ages 18 and older who reside in the U.S. Because the sample is based on those who were invited and agreed to participate in the Harris Poll online research panel, no estimates of theoretical sampling error can be calculated. To read the full methodology, including the weighting variables, visit the Stress in America Press Room webpage.

The American Psychological Association, in Washington, D.C., is the largest scientific and professional organization representing psychology in the United States. APA’s membership includes nearly 130,000 researchers, educators, clinicians, consultants and students. Through its divisions in 54 subfields of psychology and affiliations with 60 state, territorial and Canadian provincial associations, APA works to advance the creation, communication and application of psychological knowledge to benefit society and improve people’s lives.

In “The Most Important Lessons in Economics and Finance,” Dr. Anthony M. Criniti IV uncovers the time-tested secrets of wealth management

PHILADELPHIA – In “The Necessity of Finance” he laid a foundation, introducing readers to the characteristics of the economic and financial worlds. Now, after multiple requests, Dr. Anthony M. Criniti IV is back with a follow-up book, “The Most Important Lessons in Economics and Finance” (ISBN 0988459523), uncovering the most significant truths of these two important sciences.

Dr. Criniti knows that reading these principles alone is not enough to master them; after many years of experience in the financial field, he knows that you must incorporate the lessons into your life while making the decision to take control of your own wealth—a process that can take a long time. But this helpful guide provides the best place to start, particularly for advanced level students and professionals who have already read “The Necessity of Finance.”

Through incorporating and summarizing the teachings of some of history’s top contributors to these two sciences, Dr. Criniti draws upon a wealth of experience to pass these lessons on to the next generation of practitioners in the worlds of economics and finance.

“I give these lessons to you from the bottom of my heart, with the best intentions, to reveal the secrets of two of the most important sciences….Mastery may take decades, but choosing not to try to master your own wealth can result in harsh consequences, as noted in my previous work,” says author Dr. Criniti.

DR. ANTHONY M. CRINITI IV is a former financial consultant and a current professor of finance at several universities. He earned a PhD in applied management and decision sciences, with a concentration in finance. A native of Philadelphia, he has also received many financially related designations, including CHFC, CLU, REBC, and RHU. Dr. Criniti is an active investor and has traveled the world studying various aspects of finance. He is also the author of the acclaimed finance book, The Necessity of Finance. Finally, Dr. Criniti has just released his new book, The Most Important Lessons in Economics and Finance.

NEW YORK, July 23, 2013, RateWatch, a premier banking data and analytics service owned by TheStreet, Inc. (NASDAQ: TST) reported today national averages generally remained unchanged at record-low levels.

Movements in CD rates have paused as the 10-year Treasury Note yield has slightly retreated from 2013 highs and after Federal Reserve Chairman Ben Bernanke offered no major surprises in his testimonies to Congress.

“With banks showing little appetite to shift CD rates in the near term, and a typically slow August approaching, the next month could remain quiet for savers seeking an increase in CD rates,” reported Joe Deaux, TheStreet’s Economist.

NATIONAL AVERAGE RESULTS – $10K

This week

Last week

Money Market

0.11

0.11

1 month CD

0.06

0.06

3 month CD

0.09

0.09

6 month CD

0.15

0.15

1 year CD

0.23

0.23

2 year CD

0.37

0.37

3 year CD

0.50

0.50

4 year CD

0.62

0.62

5 year CD

0.81

0.81

TOP RATE ISSUERS – $10K
This is a list of issuers with top interest rates. The issuer’s Financial Strength Rating is an independent, unbiased evaluation of quarterly regulatory statements. Institutions are assigned a letter grade of A-E with “A” representing the highest rating based on a review of many aspects of financial safety including capitalization, asset quality, profitability and liquidity. For more information, visit www.weissratings.com/help/what-our-ratings-mean.aspx. Information is believed to be accurate, but not guaranteed.

Data is surveyed weekly with averages calculated each Monday afternoon from RateWatch’s unbiased national interest rate survey of over 96,000 financial institution locations across the United States.

About RateWatchFor over 20 years, RateWatch has been the premier provider of competitive interest rate and product information to financial institutions across the United States. Consistently providing top quality, highly relevant data RateWatch maintains the largest database in the industry with deposit, loan, and fee information monitoring over 96,000 locations. Rate surveys, product comparisons, financial strength reporting, local/regional/national averages, fee reporting, specialty reports and more are available. To learn more about RateWatch, visit www.rate-watch.com. RateWatch is a division of TheStreet, Inc.

About TheStreet
TheStreet, Inc. (www.t.st) is the leading independent digital financial media company providing business and financial news, investing ideas and analysis to personal and institutional investors worldwide. The Company’s portfolio of business and personal finance brands includes: TheStreet, RealMoney, RealMoney Pro, Stockpickr, Action Alerts PLUS, Options Profits, MainStreet and RateWatch. To learn more, visit www.thestreet.com. The Deal, the Company’s institutional business, provides intraday coverage of mergers and acquisitions and all other changes in corporate control. To learn more, visit www.thedeal.com.

Professor Anthony M. Criniti IV offers a fresh look at the science of wealth management in “The Necessity of Finance”

PHILADELPHIA – In “The Necessity of Finance” (ISBN 0988459507), Dr. Anthony M. Criniti IV breaks down the complex details of the financial world into easy-to-digest terms any layman can understand and even master. Finance is a completely separate field from economics and as such, Dr.Criniti sets out toexplain real-world topics that investors and “financialists” need to inculcate into their ideological portfolio.

Global wealth accumulation is at its highest levels ever. There are more billionaires and oligarchs living today than at any other time in human history. Yet as the American and global financial system has come under critical scrutiny in recent years, consumers and ordinary citizens are seeking answers about the world of finance. Why is money important? Is it merely ink and paper or digits on a computer screen. Why does finance matter? How might we come to understand its many intricacies which act as a multi-dimensional jigsaw puzzle? The answers will both interest and surprise readers.

“Most of the major theories developed in finance were created by economists, physicists, mathematicians, etc. Finance, although highly interrelated with many other subjects, is a separate field of study that is often confused with others,” says Dr.Criniti. “With world wealth accumulating to its highest point in history, the necessity to understand this subject is more crucial than ever.”

Readers will learn what the difference between money and wealth is and will find answers to many oflife’s financial questions. What is risk and return? What kinds of investments exist? What are the different techniques for selecting investments? And what role does ethics play in finance? The author has created a true page-turner able to clarify the definition, purpose and goals of both finance and economics while exploring financial concepts in a straightforward manner.

Dr. Anthony M. Criniti IV is a former financial consultant and a current professor of finance at several universities. He earned a PhD in applied management and decision sciences, with a concentration in finance. A native of Philadelphia, he has also received many financially related designations, including CHFC, CLU, REBC, and RHU. Dr. Criniti is an active investor and has traveled the world studying various aspects of finance. He is also the author of the acclaimed finance book, The Necessity of Finance and the newly releasedThe Most Important Lessons in Economics and Finance.

Just Over Half of Americans Have More Emergency Savings Than Credit Card Debt

NEW YORK, Feb. 25, 2013, Only 55% of Americans have more emergency savings than credit card debt, according to research published today by Bankrate.com (NYSE: RATE). Last year, Bankrate found that 54% of Americans had more emergency savings than credit card debt; the figure was 52% in 2011.

“Consumers may be deleveraging, but the proportion of people with more emergency savings than credit card debt hasn’t changed much,” said Greg McBride , CFA, Bankrate.com’s senior financial analyst. “Given the poll’s 3.5% margin of error, one can make the argument that consumers haven’t moved the needle at all over the past 24 months.”

Bankrate also announced that its Financial Security Index dropped from 98.6 in January to 96.8 in February, surrendering most of the improvement that took place from December to January. A reading of 100 means consumers’ feelings of financial security are unchanged from one year ago; the index has been below 100 – indicative of deteriorating financial security – in 25 of the 27 months since its inception.

Thanks to rebounding home prices and the buoyant stock market, net worth was the only component to improve from January to February. Job security, savings, debt and overall financial situation all declined. When consumers were asked whether they are feeling better, worse or about the same now versus one year ago, net worth was also the only component to register in positive territory. Among the highest-income households (income of $75,000 per year or more), all five components declined over the past month.

The survey was conducted by Princeton Survey Research Associates International (PSRAI) and can be seen in its entirety here:

PSRAI obtained telephone interviews with a nationally representative sample of 1,004 adults living in the continental United States. Interviews were conducted by landline (500) and cell phone (504, including 254 without a landline phone) in English by Princeton Data Source from February 7-10, 2013. Statistical results are weighted to correct known demographic discrepancies. The margin of sampling error for the complete set of weighted data is plus or minus 3.5 percentage points.

About Bankrate, Inc.

Bankrate is a leading publisher, aggregator, and distributor of personal finance content on the Internet. Bankrate provides consumers with proprietary, fully researched, comprehensive, independent and objective personal finance editorial content across multiple vertical categories including mortgages, deposits, insurance, credit cards, and other categories, such as retirement, automobile loans, and taxes. The Bankrate network includes Bankrate.com, our flagship website, and other owned and operated personal finance websites, including CreditCards.com, Interest.com, Bankaholic.com, Mortgage-calc.com, CreditCardGuide.com, Nationwide Card Services, InsuranceQuotes.com, CarInsuranceQuotes.com, InsureMe, Bankrate.com.cn, CreditCards.ca, NetQuote.com, and CD.com. Bankrate aggregates rate information from over 4,800 institutions on more than 300 financial products. With coverage of nearly 600 local markets in all 50 U.S. states, Bankrate generates over 172,000 distinct rate tables capturing on average over three million pieces of information daily. Bankrate develops and provides web services to over 80 co-branded websites with online partners, including some of the most trusted and frequently visited personal finance sites on the Internet such as Yahoo!, AOL, CNBC, and Bloomberg. In addition, Bankrate licenses editorial content to over 500 newspapers on a daily basis including The Wall Street Journal, USA Today, The New York Times, The Los Angeles Times, and The Boston Globe.

Royal Canadian Mint Wildlife Silver Bullion Coin series comes to a close with a tribute to the Wood bison

OTTAWA, Feb. 1, 2013, After five successful launches of 99.99% pure, one-ounce silver coins celebrating Canada’s rich and abundant wildlife, the Mint is bringing its popular Canadian Wildlife Silver Bullion Coin series to a close with a superb tribute to the Wood bison. This 2013-dated addition to the Mint’s silver bullion coin program was launched today at the World Money Fair in Berlin, Germany before a premier gathering of world mints, distributors and customers.

“The Mint has been delighted by consistent customer enthusiasm for our Silver Wildlife bullion coin series and while it is ending with a sixth and final coin, we look forward to continue introducing variety to the bullion market and to building interest in our industry-leading products,” said Ian E. Bennett , President and CEO of the Royal Canadian Mint. “As a majestic example of Canada’s abundant wildlife, as well as a great conservation success story, the uniquely Canadian Wood bison is a fine ambassador for a bullion coin program which has made the Mint stand out once again for innovation and quality.”

The Mint’s Ottawa facility will produce up to one million “Wood bison” silver bullion coins. Through this special series, a total of six different species of Canada’s legendary wildlife, including the grizzly; wolf; cougar; moose; and antelope, have been celebrated on finely crafted bullion coins struck of the same pure silver as the Mint’s world-famous Silver Maple Leaf bullion coins. This new pure silver bullion coin will soon be available through the Mint’s extensive network of bullion distributors.

The reverse image of the coin is designed by Canadian artist Emily Damstra . It shows a Wood bison galloping in a vivid display of strength and endurance. Canada is the only country in the world where the Wood bison, a subspecies of the American bison, can be found in the wild. Though 200,000 of these massive animals once prospered in the woodlands of the Canadian West, only hundreds remained by the early 1900s due to over hunting and human encroachment.

Extensive conservation efforts have raised their number to more than 10,000 and today, protected Wood bison herds exist in parts of British Columbia, Alberta, Saskatchewan, Manitoba, the Yukon Territory, and the Northwest Territories.

It is important to note that Mint does not sell bullion directly to the public. Since the introduction of its first bullion coin in 1979, the Mint only sells bullion in large volumes to a global network of bullion distributors, who have the required infrastructure to sell and buy back bullion on a daily basis, and at real-time market prices.

About the Royal Canadian Mint
The Royal Canadian Mint is the Crown Corporation responsible for the minting and distribution of Canada’s circulation coins. An ISO 9001-2008 certified company, the Mint is recognized as one of the largest and most versatile mints in the world, offering a wide range of specialized, high quality coinage products and related services on an international scale. For more information on the Mint, its products and services, visit www.mint.ca.